1,2 Home Loan Owner Occupied IO <80%[/h1]
With our new 1, 2 home loan, you'll get a rate 1% lower than our reference rate for the first 2 years.
Category: Home Loans Last Updated April 13, 2026 Effective April 29, 2026
General Lending Rates
Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information
Interest Rate
7.94% PA
7.94% PA
Comparison Rate
0.00%PA*
0.00%PA*
Product rates will vary depending upon your financial position, LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will vary based on the LVR and other conditions.
Product Features
- Offset
- Redraw
- Digital Banking
- Npp Enabled
- Other Additional Information: eStatements available
- Other Additional Information: No Monthly Fees
- Other Additional Information: 97% of value of Property incl LMI
- Other Additional Information: Spilt loans allowed
- Guarantor
- Extra Repayments
Product Eligibility
- Other Additional Information: You must be a member and resident of Australia
- Residency Status - Individuals Must Be Citizens Or Permanent Residents Of Australia..
- Min Age - 18.
Bank Fees and Charges
- Valuation Fee (Variable), Amount: Not Listed.. Additional Information: Valuation fee is variable depending on the location, size and type of property.
- Discharge Settlement Fee (Exit), Amount: 300.00. Additional Information: Payable on discharge of a mortgage. Charged per property.
- Variation Fee (Event), Amount: 100.00. Additional Information: Payable if we approve a request to substitute the secured property for another property
- Portability Fee (Event), Amount: 350.00.
- Additional Security Fee (Event), Amount: 150.00.
- Conversion Switching Fee (Event), Amount: 300.00. Additional Information: Payable when switching loan products
- Solicitors Fees (Variable), Amount: Not Listed.. Additional Information: These fees may vary depending on loan.
- Settlement Rebooking Fee (Event), Amount: 100.00. Additional Information: Payable for our solicitors to prepare the mortgage and attend to settlement
- Guarantee Fee (Event), Amount: 200.00.
- Title Search (Event), Amount: 20.00.
- Arrears Letter (Event), Amount: 30.00. Additional Information: Payable if we need to send an arrears letter
- Default Notice (Payment), Amount: 150.00. Additional Information: Payable when we send out a default notice
- Home Loan Application Fee (Upfront), Amount: 300.00.
- Otc Redraw Fee (Event), Amount: 15.00. Additional Information: First one free per month. Free via Internet Banking
Limitations & Restrictions (Constraints)
- Min Limit of 300000.00
- Max Limit of 1500000.00
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